Who planned to be on that list ?
 Every 26 seconds, someone in the U.S. is diagnosed with cancer.
 Every 29 seconds, someone in the U.S. suffers a coronary event.
 Every 29 seconds, someone in the U.S. suffers a stroke.

This Year In the United States:
 1,277,500 people will be diagnosed with cancer (1)
 1,095,000 people will have a new or recurrent heart attack (2)
 584,000 people will suffer a new or recurrent stroke (2)

You will survive....
 The 5 year survival rate for all cancers is 62% (1)
 The one year stroke survival rate is 78% (2)
 The one year heart attack survival rate is 75% (2)

Let Us Help You Take Care Of It
Our Critical Illness pays you a lump sum benefit upon diagnosis of one of the following events:
 Cancer not in-situ
 Cancer in-situ (reduced benefit)*
 Heart Attack
 Stroke
 Major Organ Transplant
 End Stage Renal Disease
 Paralysis
 Coma
 Major Burns
 Accidental Loss of Sight
 Accidental Loss of Hearing
 Accidental Loss of Speech

*For a first ever diagnosis the benefit amount is equal to 10% of the current face amount

 Medical cost not covered by insurance
 Co-payments and deductibles
 Alternative treatments
 Loss of income -Disability Insurance only pays part of your former income amount
 Bills, mortgage, and debts dont go away just because you are ill
 Transportation for treatment
 Spouses time off
 Specialized diets or equipment
 Child or adult daycare Treatment by a physician/ facility of your choice

Plan Features

Return of Premium

This Feature Creates a No Loss Situation
If the policy has not terminated prior to the Insureds death, then a benefit equal to the sum of all premiums paid on this policy to date minus any benefit paid will be paid upon the Insureds death to the Beneficiary, if alive or to the Beneficiarys estate if not.

Reduced Benifits

Beginning the Policy year immediately following the Insureds 65th birthday or 5 years from the policy date, whichever is later, the amount payable for the remaining years the policy is inforce will be 50% of the amount otherwise payable.

Effective Date

Insurance will become effective only after receipt of application, required premium, approval by Provident American and before any change in insurability of the applicant. Provident American reserves the right to reject any application which does not meet its underwriting requirements.

Not all products are available in all states where we are licensed. Some variations may occur between the same products in different states due to state laws and requirements. All questions regarding policy terms should be directed to a licensed Provident American agent or to our Home Office at
1-800-933-9456.

All information, material, images, and documents presented by the Provident American Insurance Company on this website are intellectual property of the Provident American Insurance Company and it's parent company. Any Use of this material without expressed written approval is in direct violation of US and Texas State Copyright laws and is therefore prohibited. To get further information on this Internet Policy, please read Our Internet Policy Document, email us at support@providentamerican.com or call us at toll free
1-800-933-9456. Thank you and Enjoy our site.